Credit Analysis Masterclass
Back to the first principles of credit analysis — assessing creditworthiness properly so lending decisions protect margin, market share and the provision line.
Format
Classroom · Live Virtual
Upcoming sessions
Pick a session to applyADMISSIONS OPENThe programme
Default has been the lender’s oldest problem since lending began, and it remains the major concern of credit institutions worldwide. The economics are unforgiving: the more a lender genuinely knows about a borrower’s creditworthiness, the greater its chance of maximising profit, growing market share, containing risk and reducing the provisions set aside for bad debt. This masterclass returns to the basic principles of credit analysis and builds them into better financial decisions — enabling participants to make sounder lending calls, avoid poor credit and keep the business moving forward.
What you will do
Who attends
- Credit officers, credit controllers and credit committee members
- Credit analysts, financial analysts and financial managers
- Commercial bankers and loan and lending professionals
- Portfolio managers, investors and fixed income professionals
Programme agenda
Built for the decisions no textbook prepares you for
I.Principles of credit analysis
- Credit risk as the lender’s defining exposure
- What creditworthiness assessment must actually establish
- The basic principles that survive every credit cycle
II.The lending decision
- From analysis to a defensible lending call
- Avoiding poor credit before it is booked
- Provisions, bad debt and the cost of getting it wrong
III.From analysis to value
- Better financial decisions and shareholder value
- Presenting the credit case for decision
- Keeping the lending business moving forward
Frequently asked
Do these programmes cover the Basel III final reforms and the ICAAP/ILAAP cycle?
Yes. The BIZENIUS banking curriculum is built around the Basel III endgame, ICAAP, ILAAP, IRRBB, IFRS 9 provisioning, stress testing and BCBS 239. Participants leave able to quantify the output floor on their own portfolios, write capital and liquidity documents that withstand supervisory review, and defend the numbers to their board.
Are the programmes adapted to regional supervisors such as SAMA, CBUAE or BCEAO?
Casework is built around supervisory documents rather than textbook theory, and faculty include former practitioners who have sat on both sides of an examination. Programmes address the questions SAMA, CBUAE, BCEAO and other home regulators actually put to the desk, and an in-house edition can be tailored to a single jurisdiction.
How do I secure a seat on a banking programme?
Apply for a seat or request the brochure from the programme page. A senior practitioner — not a sales team — responds within one business day, and the brochure arrives with that reply. BIZENIUS runs on enquiry: there is no online checkout.
Can a programme run in-house for our bank?
Every BIZENIUS programme can be delivered in-house, tailored to your balance sheet, your regulator and your data, in English or French. Many institutions start with an open cohort, then commission a private edition for the wider team.
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In their words
Knowledge transfer, emphasised throughout
“We worked with BIZENIUS for our Fresh Graduates Programme — they are simply amazing. Knowledge transfer and practical learning were emphasised throughout.”
Kuwait Investment Authority
From the Mandate Record
Mandate № 01 · Africa
The training programme that became national regulation
What the team mastered, the regulator wrote into the rulebook.
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The Capability Arc™
Fix it · Advisory
Advisory & Consultancy
A senior bench across risk, treasury and regulation.
Learning is one point on the Capability Arc. Many institutions pair this programme with the advisory engagement — and automate what the framework demands.
Teams from these institutions train with BIZENIUS
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Take the brochure with you.
One request — the full agenda, the faculty and the next cohort dates, sent personally by the admissions team.